Table no. 1 Years Overdue loans Total loans The share of overdue loans in total loans Nonperforming loans Total loans Nonperforming loansratioReserves for loanloss Total loansLoanlossreserveratio Source: Own calculations based ... the losses in the loan portfolio. The share of overdue loans in total loans ... administration of the bad loans. The entities involved in the crediting activity

LoanLossReserveRatio 3Q'08 Q 4Q'08 Q 1Q'09 Q 2Q'09 Q 3Q'09 Q ... Note: The consumer loanlossreserve balance was decreased by $562 million due to the transfer of a U.K. cards portfolio to held-for-sale. NCLs as a % of average loans; LoanLossReserves as a % of EOP loans. Citigroup – Consumer Credit Coverage and Credit